johnyj I think you mean well but you are not quite following the post. The wikipedia article you link and are pushing is the banker propaganda.
The article I posted for you to read is an admission of how the system actually works. It is a glimpse behind the curtain that shows how the system actually works and how financial interest use it to basically steal from productive members of society.
If you think money creation is a complex thing, you must have misunderstood it
Just like digging out gold from ground created gold money supply, creating numbers in central bank's account created fiat money supply, it is as simple as that, no loan, reserve or any other fancy word involved here
Who get the ownership of newly created money? What have they done for getting that ownership? If you could answer these 2 questions, you don't need any more explanations from banks
Banks are slaveholders, not parasite, they print money, you work, this is not stealing but robbery